Flexible contributions

Life isn’t always as simple as we’d like it to be. Some things take us by surprise and those surprises can cost money.

That's why you have the flexibility to

  • increase or decrease your contributions
  • stop if you need to, restart when you want to, and
  • make regular and/or lump sum contributions.

If you reduce or stop your contributions, it’ll affect how much money you eventually have and you’ll still pay charges.

For more information on charges and costs, please read your Key Features Document  in the 'Applying for an AVC plan' section of this site.

Your contribution amount

Depending on pension allowance limits, you can pay in up to 100% of your pensionable pay each month after deductions such as National Insurance and your main LGPS contributions are taken. 

There's no minimum contribution amount.

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More information

What's an AVC?

AVCs could be just the thing to provide you with extra in retirement.

Tax savings

Building up your AVC pot could be easier than you think.

Your investment choices

When it comes to choosing where to invest your AVCs, there's no need to feel overwhelmed.

Flexible ways to take your money

You have a number of options for taking your money.

Trusted provider partnership

Prudential is an appointed AVC provider to 72 of 99 Administering Authorities within the LGPS.